A few words from the CEO

Antoine Lissowski, CEO of CNP Assurances

"CNP Assurances has insured people against life's uncertainties for 170 years. Leader on its market, our company adapts to external developments by remaining true to our values, based on respect for people, property and resources, and ethics in the conduct of its business. 
These values form an indispensable ethical dimension of our missions, and all our staff and business units must contribute to it.

C@pEthic is our common code of conduct, and nurturing it is the fruit of a collective commitment throughout the Group, both in Europe and in South America. 
Please make time to read it carefully, observe and uphold its principles, and set an example. In so doing we all play a part in maintaining the reputation and integrity of our group at the highest level. We can thus continue to be proud of being part of the CNP Assurances group."

Antoine Lissowski,
Chief Executive Officer

CNP Assurances also reaffirms its commitment to business ethics.
The Chief Executive Officer and the Group Compliance Director jointly sign an open letter to third parties setting out the Group's strong ethical principles.

Download the commitment for a business ethics

C@pEthic, the group code of conduct

Discover the ethical and civic values carried by CNP Assurances employees in all of the Group's entities around the world.

Living our values all over the world

Employees shall act in the sole interest of the CNP Assurances group and at all times strive to protect its image and its reputation. They shall in all circumstances avoid saying or doing anything that might damage the Group’s image or reputation, including in media subject to specific validation rules, and shall not use the Group’s name for any purpose or purposes not connected with their role and duties within the Group.

We believe that each employee should have control over his or her own professional development, and across the Group as a whole, foster a working environment that respects the individual and encourages the development of skill sets with a view to long-term performance.

Every day, we need to show that we are listening, that we care and that that we are innovating, in order to achieve our aim of insuring all futures. Our customers guide every single one of our actions and decisions. We expect our employees to put our customers first, every day.

Asserting zero tolerance towards corruption and traffic influence

We take a zero tolerance approach to acts of bribery and corruption.
Employees must not approach third parties (customers, partners, authorities, political parties) to solicit, offer or accept even the slightest favour, gift, invitation or donation that is of a scale or at a frequency exceeding the limits of good professional practice and the terms set forth in the entity’s procedures.

Employees shall also refuse to accept any gift or advantage offered to them in good faith by a third party that might be seen as a bribe or that might compromise their independent judgement.

If in any doubt as to whether it is appropriate to accept or give a gift, employees shall raise their concerns with their immediate manager or supervisor, or if raising the concern with management in this way places them in an awkward position, refer to the entity’s Compliance department or the Group’s Ethics Officer by means of the special purpose tool.

Protect our customers

Employees shall behave with professionalism and honesty. In advising customers they shall refrain from misleading or making untruthful statements or practices.

Employees shall be free to propose solutions that are suitable for their customers’ demands and needs, without any pressure related to their terms of remuneration.

Employees shall be made aware of consumer protection regulations. In particular, customer complaints shall be handled with due care by employees, who shall be proactive in forwarding any information needed to resolve an incident reported by a customer.

They shall help in efforts made to search for beneficiaries of life insurance contracts, as this is one of the CNP Assurances group’s key customer protection commitments.

Combating money laundering, the financing of terrorism and fraud

We are subject to strict regulations in this respect, and participate actively in the fight against fraud, money laundering and terrorist financing.

Money laundering is an activity aimed at concealing the source or nature of funds derived from criminal activities.

Employees are a key link in the system put in place within the Group: they have up to date knowledge of our customers, which we need to meet our obligations.

Employees shall comply fully with internal anti-money laundering and counter-terrorist financing procedures. If they suspect a customer of using the CNP Assurances group’s products for fraudulent, money laundering or terrorist financing purposes, employees shall raise their concerns with the appointed individuals (AML or compliance correspondents or liaisons, group compliance division), in accordance with the procedures applicable in the entity.

Protect personal data

Because respect for privacy is a priority for the CNP Assurances group, we are committed to protecting all personal data. This commitment requires stringent organisational and IT security measures to be implemented.

As an insurer of individuals, CNP Assurances has access to sensitive data about people’s health, which shall be handled with
particular care by employees.

Employees shall help to ensure respect for privacy by making sure that they do not disclose to any unauthorised third party, even unintentionally, the personal data to which they have access in the course of their work.

Employees shall also ensure that they minimise the impact on customer privacy of each decision made. They shall use personal data fairly, in accordance with the purposes for which that data has been collected and taking into account the principle of «proportionality», that is to say using only those data that are strictly necessary for their work.

Any failure or any fact likely to constitute a violation of the internal rules of the Group, or of the laws and regulations, can be reported to the ethics officer of the Group.